Terms & Conditions of Use

Last updated: April 19, 2026

Welcome to SAKU. By using the SAKU application ("the App"), you agree to the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By installing, accessing, or using SAKU, you ("the User") agree to be bound by these Terms & Conditions. If you do not agree, please do not use the App.

2. Service Description

SAKU is a personal finance management application that helps you track income, expenses, and budgets. Core features:

Transaction logging per wallet and per saku.
Category grouping and monthly budgets.
Cash flow reports and charts.
Cross-device sync (optional, via Google account).
Wallet collaboration with family/team members (optional).

3. Account and Security

3.1 Access PIN

You are fully responsible for keeping your 6-digit PIN confidential.
We will never ask for your PIN via email, phone, or any other channel.
5 failed attempts will lock your account for 15 minutes.

3.2 Google Account (Optional)

Linking a Google account is optional but required for sync and collaboration features.
You are responsible for the security of your Google account.
Only one Google account can be linked per device at a time.

3.3 PIN Reset

PIN reset is only available when a Google account is linked.
Without Google linked, forgetting your PIN means you must reset all data (unrecoverable).

4. Prohibited Use

You agree not to:

Use SAKU for illegal activities or violations of law.
Attempt to hack, reverse-engineer, or disrupt the SAKU system.
Use bots or automated scripts to access the API.
Abuse collaboration features (invitation spam, member harassment).
Sell, sublicense, or redistribute the app.

5. Data Ownership

Your financial data remains yours. We do not claim rights over the content of your transactions, budgets, or notes. See our Privacy Policy for details on how data is processed.

6. Service Limitations

6.1 Free Tier Quota

The free version of SAKU provides 15 MB of cloud storage quota per user (applies only to collaborative wallet data; local personal wallet data is not counted).

6.2 Service Availability

Local-first features work without internet connection.
Sync and collaboration features require internet.
We do not guarantee 100% server uptime; occasional maintenance may occur.

7. Wallet Collaboration

Collaboration activation is one-way (irreversible) — once activated, a wallet cannot revert to local mode.
Members you invite can see all transactions in that wallet.
As owner, you can change roles or remove members anytime.
Invitation tokens are valid for 7 days from creation.

8. App Updates

We may update the app from time to time for bug fixes, new features, or security adjustments. Some updates may be required for service continuity.

9. Service Termination

We reserve the right to suspend or terminate your access to SAKU if:

You violate these Terms & Conditions.
There are indications of abuse, fraud, or suspicious activity.
We decide to discontinue the service entirely (with reasonable notice).

10. Limited Liability

SAKU is provided "as is". We strive to maintain the integrity of your data but are not responsible for:

Data loss due to device damage or app uninstallation without backup.
Financial decisions you make based on SAKU data.
Indirect damages, lost profits, or unrecoverable data.

11. Indemnification

You agree to indemnify Pena Studio against third-party claims arising from your violation of these Terms & Conditions or misuse of the app.

12. Governing Law

These Terms & Conditions are governed by the laws of the Republic of Indonesia. Disputes shall be resolved through consultation first, or through courts within Indonesian jurisdiction.

13. Changes to Terms

We may revise these Terms & Conditions. The latest version will be posted on this page with an appropriate "Last updated" date. Continued use after changes is considered acceptance of the new Terms.

14. Contact

Questions about these Terms & Conditions can be sent to:
surelna.studio@gmail.com